PRUMillion Med 2.0 health insurance product visual

PRUMillion Med – Premium Healthcare Coverage

Overview

PRUMillion Med Active and PRUMillion Med 2.0 are optional medical riders that can be attached to a regular premium investment-linked insurance plan. They offer comprehensive coverage with high annual limits and no lifetime limit - designed to suit your lifestyle and protection needs.

  • PRUMillion Med Active
Be in Control.
    Pay less when you claim less.
  • PRUMillion Med 2.0
Be at Ease.
    High annual coverage with no lifetime limit.

 PRUMillion Med Active
Be in Control.
Pay less when you claim less.		 PRUMillion Med 2.0
Be at Ease.
High annual coverage with no lifetime limit.
Discount upon policy inception Up to 15% off your medical insurance charges Not applicable
Active Pricing Premiums will be based on previous 
claims made. Not applicable

Discount upon policy inception
Active Pricing

You can further enhance your medical protection by adding on Active Booster or PRUMillion Med Booster 2.0 to boost your coverage with increased annual limit1, broader hospitalisation care, coverage on maternity complications and be rewarded with No Claims Benefit for preventive care.

Note:
1No annual limit when coinsurance and PRUMillion Med Active with Active Booster are selected.

Illustration of active pricing structure for medical coverage

What is Active Pricing?

Active Pricing is a unique feature of PRUMillion Med Active where a discount or an additional charge will be applied to the Base Level Insurance Charges, subject to the terms and conditions. You will receive discount on the Base Level Insurance Charges from the effective date of the policy and continue to enjoy it as long as no claim is made. You will need to pay temporary additional premiums (“Active Premium”) to cover the higher Insurance Charges when a claim is made and approved, subject to the terms and conditions. The Active Premiums payable (if any) will be 95% allocated into Basic Unit Account of your policy. Any unallocated amount will be used to pay commissions and other expenses of the insurance company. 3.75% of Active Premium will be deducted for commission (payable from unallocated premium).

Please refer to the Product Illustration and policy contract for more details on Active Pricing and its terms and conditions.

How does Active Pricing work?

Sam, an Assistant Manager, aged 40, purchases PRUMillion Med Active medical plan. With Active Pricing, Sam pays less premiums when he claims less. Sam will enjoy a 15% discount on the medical insurance charges, paying only RM367 per month throughout the policy tenure if there are no claims made and approved.

Graph showing pricing model for PRUMillion Med 2.0 Graph showing pricing model for PRUMillion Med 2.0

Note:
The scenarios above assume a male, aged 40, non-smoker, occupation class 1 purchases a PRULink Cover policy with Target Sustainability Option of age 80, 100% equity fund, with monthly premium payment through credit card. He selected Basic Sum Assured RM10,000, PRUMillion Med Active R&B200 with deductible of RM500 and Active Booster.

The case scenario is for illustrative purposes only. The diagram shown is not drawn to scale and is intended for illustrative purposes only.

Benefits

Discounts on your Medical Insurance Charges

Discounts on your Medical Insurance Charges

Enjoy up to 15% off your insurance charges yearly when no claims is made, available with PRUMillion Med Active.

High Annual Limits

High Annual Limits

Enjoy high annual limit up to RM8 million with no lifetime limit.

Comprehensive Cancer Protection

Comprehensive Cancer Protection

Includes genomic testing for early cancer detection, treatment, and support during cancer remission.

Enhance your coverage with Booster rider

Enhance your coverage with Booster rider

Boost your annual limit by an additional RM10 million, complements by unlimited number of days for Rooms & Board (R&B) and ICU and rewards you with no claims benefit.

More Information

  • Features
  • Details
Features Details
Payment Term Premium is payable throughout the coverage term
Coverage Term Until the selected policy term option up to Policy Anniversary of age 
70, 80, 90 or 100 next birthday (ANB) or 20 years (where applicable)
Age of Entry Pre-birth: After 13 weeks into pregnancy*

Post-birth: 1-70 ANB
Basic Plans That Can Attach This Rider PRULink Cover (This is an insurance product)
Features
Payment Term
Coverage Term
Age of Entry
Basic Plans That Can Attach This Rider

*PRUMillion Med Active/PRUMillion Med 2.0 and PRUMillion Med Active with Active Booster/PRUMillion Med 2.0 with PRUMillion Med Booster 2.0 can be purchased at pre-natal stage (13 gestational weeks) in which the waiting period will be calculated starting from the actual date of birth of the child.

Get enhanced medical protection with PRUMillion Med Active and PRUMillion Med 2.0

Get enhanced medical protection with PRUMillion Med Active and PRUMillion Med 2.0

Disclaimer
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Underwritten by:

Prudential

 

The above plans are underwritten by Prudential Assurance Malaysia Berhad 198301012262 (107655-U) and distributed by United Overseas Bank (Malaysia) Bhd 199301017069 (271809-K). All claims and liabilities arising from the policies should be made with the company.

Prudential Assurance Malaysia Berhad is a licensed insurance company and is regulated by Bank Negara Malaysia. Prudential Assurance Malaysia Berhad is responsible for the products and benefits offered by them, as well as any representation made in any of their marketing materials including United Overseas Bank (Malaysia) Bhd’s marketing material for the products offered by Prudential Assurance Malaysia Berhad.

This content contains only a brief description of the product and is not exhaustive. You are advised to visit any of our branches and to refer to Product Brochure, Product Disclosure Sheet, Product/Sales Illustration and Fund Fact Sheet(s) (if any) before purchasing a policy, and to refer to the terms and conditions in the policy contract for details of the features and benefits under the policy.

Buying life insurance policy is a long-term financial commitment. You should assess the affordability and suitability of the product (including supplementary benefits) that best suits your personal circumstances in relation to your financial goals and risk appetite. To achieve that, we recommend that you speak to your Prudential Representative or UOB Malaysia representative who will perform a needs analysis and assist you in making an informed decision.

PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA (“PIDM”) ON BENEFITS PAYABLE FROM THE UNIT PORTION OF THIS CERTIFICATE/POLICY IS(ARE) SUBJECT TO LIMITATIONS. Please refer to PIDM’s Takaful and Insurance Benefits Protection System (“TIPS”) Brochure or contact Prudential Assurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).